Dwelling Policy (DP)Question 306 of 531
An insured backs his own pickup into the fence at the described location. Under the vehicles peril the damage to the fence is:
a.covered, because a vehicle struck it
b.covered, but only above the deductible
c.excluded, since a resident drove it
d.excluded, because fences are not covered
Explanation
The vehicles peril does not pay for damage to fences, driveways, or walks caused by a vehicle owned or operated by someone living at the described location, so the owner's own pickup puts this loss outside the peril. A fence is covered property as another structure; it is the identity of the driver that removes the coverage. The deductible never becomes the issue here.
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